I will only pay 68 to 70K maximum with all options included. more than that i will go for the 650i even though it is not in the same catagory. If the M3 reaches 80K with full options including DCT then it makes no sense not to consider the M5. You don't have to add any options to the M5, it comes with almost everything included in the base price (about 83k).

You can get a M5 for significantly less than MSRP right now if that's the car you really want--probably in the mid to low 70s.